Date Received: 2020-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020, I received a credit for a partially refunded transaction placed on XX/XX/2020. On XX/XX/2020, TD Bank charged me an overdraft charge of {$35.00}. Upon calling to dispute the transaction, the rep i spoke to stated the bank could not waive the fee as a 1 time courtesy, considering I am a new customer and the funds were immediately refunded prior to the fee being charged. When the transaction that overdrafted my account posted, I thought there were sufficient funds, considering the XXXX dollar refund that was credited to my account. I was unaware it would take several days to post. When asked to speak to a supervisor, the rep told me she was a supervisor and that she was taking calls due to high call volume. The rep at TD Customer Service would not escalate the call. It was disappointing to realize I was unable to escalate the call. Overall this was a frustrating customer service experience.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: An initial complaint was sent to CFPB ( # XXXX ) regarding TD Auto Finance not correcting the address on my vehicles title ( so that I can update my car registration ) but still has been receiving payment monthly towards the car note. I have been having this issue for 4 months now and have been back and forth with TD AUTO, the XXXX, and CFPB. There are numerous amounts of complaints surround the same issue and what looks like a common problem at TD AUTO. ( https : XXXX ). I received a fax of my cars initial title ( dated XX/XX/2017 ), but was advised by PA DMV that the copy is not enough. TD Auto finance stated that they sent the original to a local DMV in XXXX, but I was also advised that local DMV 's can not complete the transaction & that the title needs to be forwarded to XXXX . Several call have been made to TD Auto and the customer experience advocate ( XXXX XXXX ) to provide this information and to check on the status of my request ; but no success & recently all my calls have been going unanswered.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? That conversation was XXXX at XXXX XXXX. The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.
Company Response:
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, 2020, I was at home recovering from a bad cold. I received a call from TD Bank at approximately XXXX along with a text with the message : Did you make a purchase at XXXX for {$180.00}? I immediately said NO and then a phone call immediately followed from TD Bank. After identifying myself as the account holder, your fraud specialist concluded that someone was using our account maliciously. They ran off several charges that were being made within a 1.5-hour time slot. TD Bank cancelled the card immediately and determined that neither myself nor my husband was using the card. BTW while your banking person was notifying me of this fraud, my husband was in the car driving from XXXX. At that moment, it was determined that FRAUD had been done. On XX/XX/XXXX, I received a letter from your Disputes and Claims department stating that after your investigation, you determine that NO FRAUD DID NOT OCCUR. Seriously! We all knew that fraud was occurring, has occurred and yet you sent this ridiculous letter saying there was none. I took the liberty of forwarding this letter to XXXX XXXX XXXX XXXX, a television program that exposes and helps victims like myself with issues of this nature. They will televise and interview me as well as your bank to get to the bottom of this. I will also forward this to the Consumer Financial Protection Bureau to alert them of this practice. My husband and I work very hard to make ends meet. We sometimes must work more than the normal 8 hours because of how the economy has gotten more expensive to live. The last thing we needed to see is that {$310.00} was removed by some criminal using a card that was lost and now it seems like we are getting the same type of disregard from TD Bank. Shame on you! Ill await your response. Regards, XXXX XXXX Account Number : XXXX XXXX Mobile
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank negligently attached my social security number to someone elses account. I need to know what information regarding this account was furnished to the iRS and local and state tax entities with my social security number.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Complaint against TD Bank I am a victim of fraud of over {$10000.00}. I filed a police report regarding illegal activity and filed a dispute with TD Bank. They refunded me some of the illegal transfers as fraud but XXXX transfers are listed as " not fraud ''. An aunothorized XXXX account was opened through my TD Bank online account and used a phone number for the account that is not mine nor ever has been. My email ( XXXX ) account was compromised so emails from TD Bank were set to go to junk. I was never called or texted from the account. TD Bank has rejected 3 of my claims as " no fraud occurred ''. After calling they stated that the IP address showed to be mine in their system so all claims were declined. In addition to this vague answer, they have refused to provide me any additional details regarding their decision. ( example - times, mac address, device IP address, was this phone number in their system, how the account was opened ) They stated that if I wanted any of the information regarding the case I would have to get a subpoena from the courts. This is unfair practice. I filed a police report for an over {$10000.00} fraud case and therefore would be going to prison if I was lying. TD Providing a letter stating " not fraud '' and turning their backs on me is not fair consumer practice. The information they did provide me with was the names and phone numbers of the criminals who stole the money. Suggesting I may want to reach out to the criminals to get my money back myself is unfair and unsafe to consumers. Since my 3rd appeal has been declined I am asking for CFPB for help. I did not open these accounts on TD Bank nor did I ever send money. This experience is questioning by belief that the current US banking system may not be a safe place to hold your money in today 's cyber environment. below is more info based on dates. All was sent to TD Bank to confirm. No reply. Fraud occurred from XX/XX/XXXX to XX/XX/XXXX. I notified TD Bank on XX/XX/XXXX that fraud occurred. I filed a police report with the XXXX Police Department regarding this illegal transaction. This police report was faxed to TD Bank and is on file. TD Bank refunded an ACH transfer of {$2500.00} that was sent to another bank as my online bank account was compromised. All XXXX fraud transfers was declined as not fraud. Through the TD Bank online site, new XXXX accounts were opened linking ( 2 ) of my checking accounts and transferred over {$10000.00} in small increments over that week. No texts or calls where made to me by TD Bank during this occurrence. The XXXX accounts were opened under phone numbers that is not mine and has never been on file at TD Bank. XXXX requires authorized phone numbers. This number has not been investigated by TD investigators. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was refused access to talk to a TD Fraud Investigator to explain my case as it is against TD Bank policy to do so. On XX/XX/XXXX I faxed TD Bank outlining all details about the occurrences. It is TD Bank policy that if transfers appear to be from the same IP address, the illegal transfers will not be investigated by TD Bank. No attempts are made to get funds returned by TD Bank. TD Bank requires a legal subpoena in order to provide a customer with device mac address used for the transfers. TD Bank provided the names and phone numbers of the people who were involved with these illegal wire transfers. It is the customer responsibility to reach out to the criminals directly to attempt to retrieve the funds. On XX/XX/XXXX I faxed TD Bank all of the above asking them to correct anything that they might feel inaccurate. I did this through the TD Bank branch so have documentation it was received. This was ignored despite stating I will be filing with the CF if ignored again
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account with TD Bank - Preferred Savings Account in XXXX XXXX NY in XX/XX/2019. I previously filed a complaint with CFPB Complaint # XXXX. The problem is that when I opened the account - with the understanding that if I made three initiated transactions from my TD checking account each CALENDAR month I would receive the " BUMP - UP RATE ''. Since my last complaint I have visited the back on several occasions to inquire as to why I am still not getting the Bump up Rate. After reading XXXX XXXX 's, ( XXXX, TD Bank - Head of Consumer Deposit Products & Payments ) letter in response to my initial complaint it states that I need three transactions a calendar month, the problem is that the bank is not using the calendar month from my associated checking account but the dates from the XX/XX/XXXX of the previous month to the XX/XX/XXXX of the next month. The problem is the Savings account dates are not in sync with the Checking account therefore I have lost several hundreds of dollars in lost interest. I have spoken to the VP at that branch and the Assit. Store Manager who both acknowledged the problem.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Why does the Target MasterCard hold your payments hostage for almost *3 weeks* without releasing your funds? How is this possible when my credit card accounts with XXXX XXXX and XXXX take no more than 2 days *at most*? How can this company take {$980.00} ( paying in full, early ) out of my bank account on XX/XX/2020 and not release my funds for 17 days?! What is the point of this " use it everywhere card '' if I can't use it? I made a second payment ( in full, early ) for {$1300.00} on XX/XX/2020 - my funds are immediately removed from my bank account, and then I'm told it won't clear until XX/XX/XXXX?! I was warned by XXXX I was " hitting the limit '' of my card, which caused a significant drop in my credit score, and its simply not true. I paid - IN FULL, AHEAD OF SCHEDULE - twice, and my funds are held hostage for so long it considers it to overlap and deny the use of my card for several weeks. Go ahead, check my credit history - its good. Im never late and I don't owe. This company was happy to immediately rip {$2300.00} out from my bank but can only tell me " there are lots of factors why [ my funds ] aren't available '' - but when asked, they fail to tell me what they are " because we cant see '' what effects my account. So who CAN see? No one?
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A